13.20% p.a.
No current offer
$39
n/a
Queensland Country Credit Union Visa Credit Card
13.20% p.a.
No current offer
$39
n/a
Queensland Country Credit Union Visa Credit Card
13.20% p.a.
No current offer
$39
n/a
Last updated: 9 May 2019.
2019 Mozo Experts Choice Award
13.20% purchase rate
$39 annual fee
Optional rewards program available
$40 late payment fee
Additional $58 to opt into rewards program
If you’re a Queenslander looking for a credit card that’s easy to manage and won’t tie you up in fees, look no further than the Queensland Country Credit Union Visa Credit Card - a 2019 Mozo Experts Choice Award winner for best Low Rate Travel Credit Card. With a reasonable 13.20% purchase rate, a low annual fee of $39 and a rewards program that turns your points into cash, this budget-friendly card might be exactly what you’re looking for.
The Queensland Country Credit Union Visa Credit Card combines the flexibility of a low rate card with the features of a rewards card. While it’s not the lowest rate on the market, this card comes with a 13.20% purchase and cash advance rate and a low annual fee of $39 and 55 interest-free days, giving you plenty of time to pay off your balance.
But what makes the Queensland Country Credit Union Visa Credit Card a bit different from your standard low rate credit card is the optional Great Rewarder program, which turns your accumulated points into cash. And if you’re a Cowboys fan, you’ll be able to show your support 24/7, thanks to the limited edition Cowboys design.
Keep in mind though, if you do opt into the Great Rewarder program, you will be charged an additional $58 on top of the annual fee.
This credit card also offers a 1.50% foreign exchange margin, making shopping online internationally or travelling a breeze. And if you ever want to add an additional cardholder, you’ll be able to do so for free. However, one thing to keep in mind with the Queensland Country Credit Union Visa Credit Card is the $40 late payment fee.
The Queensland Country Credit Union Visa Credit Card is a great choice for Queenslanders who are interested in taking out a credit card with a community-focused institution and want the option to enter into a rewards program.
If you do miss a payment, you will be charged a $40 late payment, so it might be a good idea to set up a direct debit. Another thing to remember is that if you are interested in using the reward program, you will be charged an additional $58 annually to do so.
13.20% p.a.
none
No current offer
none
13.20% p.a.
55
$39.00
none
none
none
$40.00
$1.00
1.50%
$1.00
$35.00
$0.00
$20.00
3.0
yes - free
none
Apple Pay
Been with QCCU since I opened a bank account and they have always been amazing. Little to no...
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Been with QCCU since I opened a bank account and they have always been amazing. Little to no fees, if there are any, they are cheap.
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Adam | Queensland
reviewed over 4 years ago
Staff always helpful and product good value if you pay off monthly.
Read full review
Staff always helpful and product good value if you pay off monthly.
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Marian | Queensland
reviewed over 5 years ago
Friendly people, eager to help.
Read full review
Friendly people, eager to help.
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Michelle | Queensland
reviewed almost 6 years ago
We have been customers of QCCU for over 25 years, and have found all the staff to be friendly,...
Read full review
We have been customers of QCCU for over 25 years, and have found all the staff to be friendly, helpful & knowledgeable about the products & services available. We are contacted by staff from our local branch should a pending transaction appear from overseas or over a certain dollar amount for confirmation before being debited to my visa account. This gives me peace of mind to know that any transaction that may seem suspicious is authorised by me first.
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Annetta | Queensland
reviewed about 6 years ago
My bank is willing to help out anyway they can to maximize the savings on all your accounts and...
Read full review
My bank is willing to help out anyway they can to maximize the savings on all your accounts and if there is a way to save money they will help you to do that.
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Kerri | Queensland
reviewed over 6 years ago
Queensland Country Credit Union (QCCU) is an independent member owned organisation, providing a full range of financial services to QCCU members. QCCU value its members and show this by offering them with an extensive range of competitive financial products in: savings accounts, home loans, credit cards, debit cards, car loans, personal loans and term deposits, designed for Queenslanders.
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